HOMELOANS BY

Buying a Home, Refinancing or Investing in Property

Choosing the right home loan is important because it can affect how much interest you pay, how long it will take to repay and sometimes what additional costs you may have to pay as well.

Right now there is an increasing number of mortgage brokering services and lending institutions, each offering a confusing variety of mortgage products and services.

WHAT DO YOU WANT & WHAT DO YOU NEED?

The wide range of home loan options available includes:

• Equal payment mortgages
• Reducing payment mortgages
• Revolving credit mortgages
• Interest only mortgages
• Accelerated repayment mortgages
• Comparison o f the amount of Interest Paid
• Interest rates

This wide range of alternatives offers you choice but the difficulty is finding a home loan package that best suits your personal circumstances (rather than suiting the brokers or lending institutions preferences). You should not have to become a mortgage expert overnight just to be able to borrow money to buy a home.

You will become better informed and able to make the best choice after receiving independent professional advice from an Advocate Home Loan Advisor. We have and will continue to evaluate the market’s top range of home loans to provide you with our best recommendations of what would be most appropriate in your situation.

But to confirm our independence from all lending institutions you (the Client) make the final choice yourself.

Our free services include:

• A personalised assessment identifying what you can afford to borrow and your repayment schedule;

• Expert analysis of how you could save thousands of dollars when repaying your home loan, presented as an illustrated report for you to keep;

• A presentation of the latest interest rates and special deals from all of the major Banks and other lending institutions;

• A careful and thorough explanation of the alternative choices available to you;

• Professional management of the home loan process, by one of our Consultants, to ensure that your loan application is given the highest priority;

• The flexibility to meet with you at your home, your place of business or our office.

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